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No unread posts General Discussions, Forum Registration, and ID Theft and Credit-Related News Stories

Subforums: General Discussion, News Stories on Identity Theft, Personal Data Thefts and Credit Reporting Abuses, Current Cases, Lawyer Jokes

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Wed Nov 19, 2014 12:23 pm

Administrator View the latest post

FCRA Statute and Defined Terms Under the FCRA

 
No unread posts FCRA Statute And Amendments: 15 U.S.C. 1681, et. seq.

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Fri Nov 21, 2014 3:18 am

Administrator View the latest post

No unread posts What is a Consumer [Credit] Reporting Agency?

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Mon Nov 10, 2014 8:04 am

Administrator View the latest post

No unread posts What is a Consumer [Credit] Report?

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Fri Nov 21, 2014 3:18 am

Administrator View the latest post

No unread posts Resellers: Who are They? What Do They Do? Are They Liable Under the FCRA?

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Sun Nov 02, 2014 11:53 am

Administrator View the latest post

No unread posts Investigative Consumer [Credit] Reports

This Folder examines investigative consumer [credit reports] and the special rules governing those reports and claims which may be asserted for violations concerning this special category of reports.

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Sun Nov 02, 2014 4:06 pm

Administrator View the latest post

No unread posts Who is a Furnisher?

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Mon Oct 13, 2014 7:20 am

Administrator View the latest post

How to Get Your Credit Reports and How and Who to Write Your Dispute Letters to

 
No unread posts How To Get Your Credit Reports

Where credit reports can be acquired.

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Mon Nov 03, 2014 3:01 pm

Administrator View the latest post

No unread posts Dispute Letters

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Mon Nov 03, 2014 3:01 pm

Administrator View the latest post

No unread posts Do You Have To Pay For Your Credit Report?

and if so, how much?

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Mon Dec 19, 2005 2:51 pm

David A. Szwak View the latest post

FCRA Private Rights of Action and Duties Imposed by the FCRA

 
No unread posts Impermissible Access: 15 U.S.C. 1681b[f] and 1681q

Who can pull a credit report and when can they pull it.

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Tue Nov 11, 2014 1:28 pm

Administrator View the latest post

No unread posts Front End Duties of the Credit Reporting Agencies: 15 U.S.C. 1681e(b)

Maximum Possible Accuracy

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Fri Nov 21, 2014 3:34 am

Administrator View the latest post

No unread posts Back End Duties of the CRAs: 1681i[a]:

Reasonable Reinvestigation

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Fri Nov 21, 2014 3:34 am

Administrator View the latest post

No unread posts Credit Bureau's Duty to Provide Consumer Documentation to Furnisher: 1681i[a][2][B]

This Folder discusses issues pertaining to credit bureau reinvestigations with emphasis on the Agencies' duty to provide its furnishers with all relevant information and copies of documents supplied by the consumer as part of the dispute to the Agency

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Mon Nov 10, 2014 8:42 pm

Administrator View the latest post

No unread posts Duty to Add a Consumer's Dispute Statement in Association with a Specific Account and In Connection with the Credit File/Report: 15 U.S.C. 1681i[c]

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Mon Nov 10, 2014 9:29 pm

Administrator View the latest post

No unread posts Furnisher FCRA Liability: 15 U.S.C. 1681s-2

Furnishers are those persons who report data to the credit reporting agencies

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Wed Nov 12, 2014 10:20 pm

Administrator View the latest post

No unread posts Failing to Mark Contested Accounts As Disputed: 15 U.S.C. 1681s-2[a][3]

Obligation of the furnisher of credit data to advise the credit reporting agencies that the consumer has contested the subject account; a comment and flag is to be placed on the disputed account

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Tue Sep 16, 2014 8:57 am

Administrator View the latest post

No unread posts Obsolescence: When Must the Credit Reportings Come Off of the Credit Report: 15 U.S.C. 1681c

This Folder Examines the Differing Time Periods That the Various Types of Credit Data May be Retained in Your Credit File. The Related Re-Aging Folder Also Contained in This Forum Examines the Known, Deceptive Trade Practice of Tampering With the Reporting to Avoid Automated Purge Mechanisms at the Bureaus.

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Wed Mar 22, 2006 10:10 am

Guest View the latest post

No unread posts Duty to Notate Disputed Accounts As Such: 15 U.S.C. 1681c[f]

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Mon Sep 15, 2014 7:43 pm

Administrator View the latest post

No unread posts Adverse Action Notice Rules: 15 U.S.C. 1681m and ECOA

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Tue Feb 07, 2006 6:47 pm

David A. Szwak View the latest post

No unread posts Credit Solicitations Are Required to be Clear and Conspicuous: 1681m[d]

This forum addresses 15 U.S.C. 1681m[d] and the requirement in the FCRA that credit solicitations that you receive are required to be clear and conspicuous. Carefully consider whether you have a private right of action or whether the FTC or other governmental agencies must enforce this provision.

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Sat Apr 01, 2006 11:03 am

David A. Szwak View the latest post

No unread posts Potential Exposure For Sanctions Due to Filing Bad Faith FCRA Cases: 15 U.S.C. 1681n[c], 28 U.S.C. 1927, and Fed.R.Civ.Proc. 11

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Tue Feb 07, 2006 7:00 pm

David A. Szwak View the latest post

No unread posts Credit Repair Organizations Act [CROA]

Persons Performing Ilegal "Credit Repair" and Liability For Such Acts

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Sat Mar 18, 2006 11:48 am

David A. Szwak View the latest post

No unread posts 1681g: Credit Bureaus' Duties to Provide Reports/Disclosures and to Add 100 Word Statements of the Consumer

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Sun Nov 16, 2014 3:35 pm

Administrator View the latest post

No unread posts Affiliate Sharing Problems and Violations, 15 U.S.C. 1681s-3

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Sun Nov 16, 2014 3:22 pm

Administrator View the latest post

Common Credit Report Errors and Agency Misconduct

 
No unread posts Credit Errors

Get information and post information on credit report errors not involving theft of identity.

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Sun Nov 09, 2014 6:48 pm

Administrator View the latest post

No unread posts Theft of Identity

Get information and post information on theft of identity issues.

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Thu Nov 06, 2014 12:08 pm

Administrator View the latest post

No unread posts Mixed File Cases

Father-Son, Mother-Daughter, Junior-Senior-Trey [Generational Designators], Common Names, Variations on Social Security Numbers and Other Mixed File Issues

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Mon Nov 10, 2014 12:38 pm

Administrator View the latest post

No unread posts Re-Aging: Debt Collector's Efforts to Revive Obsolete Reportings

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Wed Mar 22, 2006 10:06 am

Guest View the latest post

No unread posts Reinsertion of Previously Deleted Data: How and When Can It Happen?

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Sat Dec 10, 2005 2:46 pm

David A. Szwak View the latest post

No unread posts VIP Databases and Offline Status

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Mon Jan 02, 2006 9:20 pm

David A. Szwak View the latest post

No unread posts Deceased Reporting Cases

This Folder Examines Those Cases Where the Credit Reporting Agencies [or Furnishers] Report You as Deceased When You Are Plainly Alive

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Mon Jan 16, 2006 6:31 pm

David A. Szwak View the latest post

Causation: The Crucial Link Between Breach of a Duty and Damages

 
No unread posts Causation to Damage [Proving Your Damages Are Related to and Caused by the Defendants

Proving the proximate and legal cause of your damages may be more tricky than you think.

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Fri Nov 21, 2014 3:08 am

Administrator View the latest post

Types of Damages, Remedies, and Awards Under the FCRA and Related State Law Claims

 
No unread posts Damages Under FCRA

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Fri Nov 21, 2014 3:33 am

Administrator View the latest post

No unread posts Punitive Damages: 15 U.S.C. 1681n

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Fri Nov 21, 2014 3:11 am

Administrator View the latest post

No unread posts Injunctive Relief: FCRA and State Law

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Sun Nov 16, 2014 3:18 pm

Administrator View the latest post

No unread posts Attorneys' Fees, Litigation Expenses and Costs:

When Can You Recover Them and How? Costs Under 28 USC 1920, Expert Witness Fees, and Other Non-Damage Awards;
Recoverable Costs Are Governed by 28 USC 1920 however Expert Witness Fees Are Not. There are various non-damage awards that you need to understand and how to seek them.

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Sat Nov 01, 2014 9:48 pm

Administrator View the latest post

No unread posts Declaratory Relief Under the FCRA

Can you pursue private rights to declaratory judgments and relief under the FCRA?

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Tue Oct 07, 2014 7:55 pm

Administrator View the latest post

What is Your Potential Case Worth? Other Case Verdicts, etc.

 
No unread posts FCRA Jury and Bench Trial Verdicts

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Sun Nov 16, 2014 3:18 pm

Administrator View the latest post

Other Federal Laws Related to Credit Reporting, Data Privacy, Billing Errors and ID Theft

 
No unread posts FDCPA Statute And Amendments: 15 U.S.C. 1692, et. seq.

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Wed Oct 29, 2014 9:55 pm

Administrator View the latest post

No unread posts Fair Credit Billing Act, 15 U.S.C. 1666, et. seq.

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Mon Jan 23, 2006 9:49 pm

David A. Szwak View the latest post

No unread posts Identity Theft and Assumption Deterrence Act of 1998, 18 U.S.C. §1028

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Thu Nov 06, 2014 12:04 pm

Administrator View the latest post

No unread posts Home Affordable Modification Program (“HAMP”) and Home Affordable Foreclosure Alternatives Program (“HAFA”)

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Wed Nov 12, 2014 2:39 pm

Administrator View the latest post

State Law Claims Related to Credit Reporting, Billing Errors, Privacy Breaches and ID Theft

 
No unread posts Invasion of Privacy: State Law

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Wed Oct 29, 2014 12:17 pm

Administrator View the latest post

No unread posts Defamation: State Law

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Thu Jan 26, 2006 7:28 pm

David A. Szwak View the latest post

No unread posts Interference With Prospective Credit: State Law

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Mon Jan 23, 2006 10:05 pm

David A. Szwak View the latest post

No unread posts Interference With Marital/Family Relations: State Law

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Mon Dec 05, 2005 7:19 pm

David A. Szwak View the latest post

No unread posts Infliction of Emotional Distress/Mental Anguish: State Law

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Sat Mar 18, 2006 11:45 am

David A. Szwak View the latest post

No unread posts Data Breach Claims and Issues

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Thu Nov 06, 2014 12:05 pm

Administrator View the latest post

No unread posts Unfair and Deceptive Trade Practices Claims: State Law

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Wed Nov 12, 2014 3:55 pm

Administrator View the latest post

Jurisdiction, Venue, Removal to Federal Court, Remand to State Court, and Other Pre-Trial Jurisdicti

 
No unread posts Removal of FCRA Cases From State Court To Federal Court

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Tue Nov 11, 2014 1:55 pm

Administrator View the latest post

No unread posts Personal Jurisdiction and Venue in Credit Reporting Cases

Can You Bring Your Case Against a Defendant in a Particular Court? Do You Have Jurisdiction Over the "Person" of the Defendant? Is Venue Proper?

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Thu Oct 02, 2014 11:52 am

Administrator View the latest post

FCRA Litigation Strategies and Procedural Issues and Law

 
No unread posts Settlements, Releases, Prevailing Party Status, and Other Things You Need to Know If You Resolve Your Case Before Judgment

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Wed Mar 01, 2006 5:38 pm

David A. Szwak View the latest post

No unread posts Offers of Judgment In FCRA Litigation

Federal and State Rules of Procedure provide cost and sometimes attorney's fee shifting mechanisms for defendants to attempt to force plaintiffs/consumers to accept proposed settlements. This forum provides a source of information for how these rules may impact the litigation.

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Mon Dec 12, 2005 1:00 pm

David A. Szwak View the latest post

Secret Documents, Product Information and Testimony

 
No unread posts Choicepoint Secret Documents:

Types, Names, Descriptions, Testimony

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Tue Oct 07, 2014 10:06 am

Administrator View the latest post

No unread posts Equifax/CSC and Affiliates Secret Documents:

Types, Names, Descriptions, Testimony

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Tue Nov 04, 2014 8:03 am

Administrator View the latest post

No unread posts Experian Secret Documents

Names, Types, Descriptions, Testimony

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Fri Nov 21, 2014 3:38 am

Administrator View the latest post

No unread posts Innovis Secret Documents:

Types, Names, Descriptions, Testimony

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Mon Nov 10, 2014 8:21 pm

Administrator View the latest post

No unread posts Trans Union Secret Documents

Types, Names, Descriptions, Testimony

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Tue Nov 04, 2014 8:03 am

Administrator View the latest post

No unread posts Furnisher and Public Records Suppliers Secret Documents

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Tue Nov 04, 2014 8:04 am

Administrator View the latest post

Respondeat Superior, Vicarious Liability, and Whether Others Are Liable

 
No unread posts Liability For Employee's FCRA Violations? Liability For FCRA Violations by Third Parties?

Vicarious Liability/Respondeat Superior

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Wed Dec 21, 2005 1:42 pm

David A. Szwak View the latest post

FCRA Preemption, Immunity, and Qualified Immunity

 
No unread posts FCRA Preemption: 15 U.S.C. 1681t[b][1][F] and Related Discussions

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Fri Oct 31, 2014 10:38 am

Administrator View the latest post

No unread posts FCRA Qualified Immunity: 15 U.S.C. 1681h[e] and Related Discussions

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Fri Oct 31, 2014 10:51 am

Administrator View the latest post

No unread posts States/Govermental Immunity From FCRA Claims?

This Folder looks at issues of whether and how you can bring FCRA cases against Governmental Bodies or Agents/Employees who may violate the FCRA. Many such agencies and agents access credit files secretly while others report/furnish data to the credit reporting agencies. Does the 11th Amendment [Sovereign Immunity] prevent such suits? Do other immunity statutes prevent such suits?

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Thu Mar 09, 2006 6:33 pm

David A. Szwak View the latest post

Jury Voir Dire, Instructions, Verdict Forms, etc.

 
No unread posts Jury Instructions and Jury Verdict Forms

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Wed Oct 29, 2014 9:56 pm

Administrator View the latest post

No unread posts Jury Questionnaires, Voir Dire, Jury Selection and Jury Bias

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Mon Nov 10, 2014 6:38 am

Administrator View the latest post

Credit Card Issues

 
No unread posts Credit Card Liabilities

Identity Theft, Account Takeover, Unauthorized Use, Misuse, Apparent Authority, Authorized Use.

Subforums: Statute Of Limitation: 15 U.S.C. 1681p, Standing to Sue

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Mon Oct 13, 2014 7:17 am

Administrator View the latest post

Credit Scores, Adverse Action Codes, and Other Report Codes

 
No unread posts Credit Scores, Adverse Action Codes, Risk Factors, Denial Codes and Other Scores and Codes Supplied by the Credit Reporting Agencies

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Tue Mar 14, 2006 2:06 pm

Guest View the latest post

The Mechanics of Credit Reporting

 
No unread posts Public Records Reportings [Non-Bankruptcy]

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Sat Jan 14, 2006 10:05 pm

David A. Szwak View the latest post

No unread posts Bankruptcy Reporting

Information that should and should not be reported where there is a bankruptcy.

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Thu Sep 04, 2014 8:39 am

Dave Maxfield View the latest post

No unread posts Student Loan Credit Reporting

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Mon Feb 06, 2006 12:26 am

David A. Szwak View the latest post

No unread posts Metro Tape [I and II]: Standardized Credit Reporting Formats Used by the Credit Industry

Subforum: Defenses Asserted by Credit Reporting Defendants

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Wed Oct 29, 2014 1:08 pm

Administrator View the latest post

What Law Applies? Problems Barring Use of the Court and Law

 
No unread posts Arbitration, Forum Selection, Choice of Law, Choice of Venue and Other Adhesionary Clauses

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Tue Nov 18, 2014 3:15 pm

Administrator View the latest post

No unread posts Conflicts of Laws Issues in FCRA and Related State Law Issues

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Thu Oct 23, 2014 5:52 am

Administrator View the latest post

Forum

 
No unread posts Standing and Statutes of Limitations

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Wed Oct 29, 2014 9:28 am

Administrator View the latest post

FCRA Legal Forms [Suits, Discovery, etc.]

 
No unread posts Discovery: Interrogatories, Requests For Production of Documents, Requests to Inspect, Requests For Admissions, Deposition Notices, Subpoenas, Deposit

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Mon Nov 10, 2014 6:43 am

Administrator View the latest post

No unread posts FCRA Sample Pleadings: Complaints, Motions, Oppositions and Other Standard Lawsuit Filings

Subforum: Defenses Frequently Asserted by Defendants to Consumer's Actions

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Fri Nov 21, 2014 3:35 am

Administrator View the latest post

FCRA Class Actions and Class Issues

 
No unread posts FCRA Class Actions

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Sun Nov 09, 2014 6:46 pm

Administrator View the latest post

Special Evidentiary Issues: What is Evidence?

 
No unread posts Evidentiary Issues in FCRA Cases

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Fri Nov 21, 2014 3:32 am

Administrator View the latest post

No unread posts Expert Witnesses, Special Issues and Daubert and Related Challenges

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Fri Nov 21, 2014 3:32 am

Administrator View the latest post

Forum

 
No unread posts Appellate Issues, Rules, Law, Etc.

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Defenses Asserted by Industry and Abuse Stories

 
No unread posts Defense Counsel Abuses and War Stories

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Fri Nov 21, 2014 3:38 am

Administrator View the latest post

No unread posts Law Outlines: Various Topics

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Tue Nov 11, 2014 3:22 pm

Administrator View the latest post

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